Richardson Chan

I was on my usual PF-Bloghopping when I saw this article by Single Guy Money  and How I Save Money and wondered, how would this post look like if I were the one answering the questions? Wonder no more because I did write my own version of 6 Questions To Get To Know Each Other Financially. Here it goes:

1. How do you spend: cash, debit or credit? For my daily expenses, cash. I use credit cards for our weekly groceries. I rarely use debit because they don't offer any benefits other than the convenience of a cashless transaction.  
2. Do you bank online? How about use a financial aggregator (Mint, Wesabe, Yodlee, etc.)? Yes to online banking. I do most of my banking transactions via online banks. Services like that of Mint.com don't work with the local banks here in the Philippines. 
3. What recurring bills do you have set on autopay? Cellphone bills (Smart & Sun), Internet bill (Sun) are on auto-charge to my credit card.
4. How are your finances automated? answer #3. Plus our condo payments are on post-dated checks. Transfers from my main account to my checking account are already pre-scheduled. The same is true for my insurance premiums. Also, 10% of my gross monthly salary is kept away automatically as a contribution to our company's Staff Provident Fund.
5. Do you write checks? If so, how often? Very rarely. That's after writing 60+ post-dated checks for the condo's down payment and VUL premiums
6. Where do you stash your short-term savings? A savings account with an ATM. Sometimes, I do some short term trading in the stock market for a little profit once in a while.